My investment strategy needs refining; what's working in Pune now?

My last Pune investment from 2.5 years ago yielded decent returns, but I'm looking to refine my approach for the next one. I'm currently evaluating a 2BHK in Bhosale Nagar, specifically a Sonai Realty project. My main dilemma revolves around payment plans. For investors, is a construction-linked plan genuinely smarter than a substantial upfront down payment? I'm trying to balance cash flow against potential spot discounts. I've seen builders offer 2-3% on outright payments, but does that truly offset the time value of money, or the flexibility of CLP? What are people seeing in terms of realistic negotiation on property prices, say for a ₹90L unit? Any insights on leveraging payment terms for better ROI would be appreciated.